Financial Statement

The Common Financial Statement provides an accurate overview of your income, outgoings, assets and liabilities. It is recognised by the credit industry and has been designed by the Money Advice Trust.

Before we would be able to provide advice specific to your circumstances, we have found that the best approach would be for you to complete a financial statement. You can do this on your own by downloading a copy, or with our assistance over the phone.This is to calculate if you have any disposable income and includes a list of your creditors.

The advice we give is tailored to suit the circumstances of every individual we talk to, so if you decide to ring us, please include every detail you can. We can only advise you on what you tell us

A copy of this needs to be sent to every creditor you owe money to if you need to make reduced offers to them.

• This section is for all income into your household. Please include any benefits you receive. Don't include overtime unless it is guaranteed.

• All essential living costs should be listed here – please do not include your debts in this section.

• If you are behind with your any priority debts contact us straight away for advice.

• Get up to date balances for your debts and include all unsecured personal debt here.